XPO introduced a new benefit enrollment website during Open Enrollment for 2021. The new site offers:

• Easy access to the majority of your benefit-related tasks
• Mobile-friendly functionality for iOS and Android smartphones and tablets
• Easy-to-use decision support tools
• Web chat functionality
• Best-in-class security

You have easy single sign-on access through myXPO Portal or directly at www.xpo.bswift.com from your smartphone or computer.

We transitioned the administration of our benefits to bswift effective January 1, 2021.

As part of the transition to bswift, PayFlex administers all three of our spending accounts — Health Care FSA, Dependent Day Care FSA and Commuter Spending Account — effective January 1, 2021.

If you contributed to the Health Care FSA or Dependent Day Care FSA in 2020, continue submitting your claims for expenses incurred through December 31, 2020 to WageWorks before March 31, 2021.

In the summer of 2020, XPO moved the administration of its 401(k) Plans to Fidelity. You have access to a wide variety of features and resources, including financial wellness resources, retirement planning support, a world-class call center and investor center branches throughout the country where you can meet with an advisor. The website shows all of your Fidelity accounts in one place, provides access to interactive tools and resources and can help you improve and track your personal financial wellness. Additional information is available at www.myfidelitysite.com/XPO.

Health care costs are expected to go up by more than 6% across the country in 2021. We’ve been able to hold medical rates flat for the majority of employees and XPO will continue to pay 80% or more of the cost of coverage. Visit myXPO Portal for detailed cost information during Open Enrollment or review the personalized enrollment worksheet mailed to your home.

Just a reminder that we all share a responsibility to be smart health care consumers. Please review the Health Care Consumer Tips below for ways to save money.

HSA Contribution Minimum

If you like the convenience of contributing to your Health Savings Account (HSA) through payroll deductions, you’ll need to contribute a minimum of $500 for the year.

You Can Save More on Taxes

HSA contribution limits are set by the IRS each year. The amount you may contribute is triple-tax protected and depends on which HSA option you elect, whether XPO contributes, the coverage level you choose and your age.

If you or your covered spouse uses tobacco, you will pay an extra $100 per month for medical coverage. If you are or your covered spouse is a former tobacco user (meaning you completed a tobacco cessation program in the past), you can avoid the $100 per month surcharge by verifying your status when you enroll.

Learn more here.

If your spouse enrolls in medical coverage through his or her employer related to a Qualifying Event, you can have the Spousal Surcharge removed, but it’s a good idea to call the Benefit Service Center within 45 days so the surcharge removal will be retroactive to the Qualifying Event date. Otherwise, the surcharge will be removed as of the date you call.

Whether you’re adding a dependent for the first time or responding to a random dependent verification audit, you will have 60 days to provide documentation. (Previously the timeframe was undefined.) If you do not provide documentation within 60 days, your dependent(s) will be removed from coverage. It’s also your responsibility to remove dependents from coverage once they become ineligible.